Beverage Cart
INSURANCE

Protect your food business from the crippling cost of liability claims. For as little as $299 a year, you can receive up to $2 million in coverage for A+ rated general and product liability insurance and up to $10k in tools and equipment coverage. Need additional protection? Not a problem! FLIP provides increased policy limits as well as additional policy options for added coverage.

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Customizable
Coverage

Create a comprehensive insurance plan for your business with A+ rated general and product liability, tools and equipment coverage, and more.

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UNLIMITED
ADDITIONAL INSUREDS

Include as many additional insureds as your business needs at no extra cost for high quality protection wherever your next job takes you.

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NO-QUOTE
PROCESS

Protect your beverage cart business in minutes with our easy, online checkout for instant, 24/7 access to your policy information via our online user dashboard.

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Do Beverage Carts Need Liability Insurance?

As a food industry business, your beverage cart faces a unique set of liability risks, from trip and fall accidents to getting customers sick from your drinks. Just one liability claim can cost thousands of dollars or more, halting your operation and damaging your reputation. Beverage cart insurance can protect your business from the hefty cost of liability claims, allowing you to continue running your business with peace of mind.

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Protect your beverage cart with up to $2 million in A+ rated general and product liability insurance as well as $10k for tools and equipment insurance. Not enough coverage? Not a problem! FLIP provides increased limits and additional policy options for businesses that need them.

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General Liability

Aggregate Limit: $2M

General liability can protect your business from paying for third-party bodily injury and property damage claims. It can also protect against claims regarding products-completed operations, personal and advertising injury, and more.

Product Liability

Aggregate Limit: $2M

As a food industry business, you run the risk of making a customer sick from your food, whether from foodborne illness, unlabelled allergens, or more. In these cases, product liability insurance can protect you from paying out of pocket for claims that your food made a customer ill.

Inland Marine

Aggregate Limit: $10,000

Also referred to as tools and equipment coverage, inland marine insurance can protect your business from the cost of repairing or replacing stolen or broken business equipment. FLIP offers increased coverage limits for inland marine based on your business’ insurance needs.

Damage to Premises Rented

Aggregate Limit: $300,000

This coverage can protect your business from the cost of claims arising from damages done to rented spaces, such as an event booth or commercial kitchen. It’s common for property owners and event organizers to require businesses to list them as additional insureds on a policy before renting a space. FLIP provides unlimited additional insureds at no extra cost.

Cyber Liability

Aggregate Limit: $100,000

Cyber liability insurance protects your business from the costs that arise from experiencing a cyber security breach.If your business collects or stores information online, on a computer, or on a mobile device, we strongly recommend this coverage option.

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FAQs About Beverage Cart Insurance

Here’s a breakdown of the “ingredients” of our policy

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What Is
Beverage Cart Insurance?

Beverage cart insurance is a liability insurance plan designed to protect beverage cart businesses from the cost of liability claims. It provides up to $2 million in coverage for general and product liability as well as $10k in tools and equipment coverage to protect businesses from the majority of liability claims they might face. For businesses that need more coverage, FLIP also provides increased limits and additional policy options, like professional liability and cyber liability insurance, according to their needs.

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How Much Does
Beverage Cart Insurance Cost?

The starting rate for beverage cart insurance is $299 a year. For that cost, you can protect your business with up to $2 million in A+ rated coverage for general and product liability as well as $10k in tools and equipment coverage. Additional policy options and increased limits are also available at extra cost for businesses that require more coverage.

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Does Beverage Cart Insurance
Cover Liquor Sales?

FLIP’s base beverage cart insurance policy does not cover businesses that serve, sell, or furnish alcohol. However, FLIP does provide liquor liability insurance that can be added to your policy. If your business serves, sells, or furnishes alcohol, you will need this important coverage to protect your business from the cost of alcohol-related accidents.

Follow the link below to learn about liquor liability insurance and how to add it to your beverage cart insurance policy today.

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What Are The Risks
Of Running A Beverage Cart?

  • A customer or bystander trips over your equipment, causing bodily harm
  • Someone damages or steals your business equipment
  • A customer gets sick from a drink you served them
  • A fire or disaster destroys your business equipment or causes property damage
  • A car accident causing damage to your company vehicle or bodily harm
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PROGRAM HIGHLIGHTS

  • General Liability
  • Products and Completed Operations Coverage
  • Personal and Advertising Injury Coverage
  • Damage to Premises Rented Coverage
  • Business Personal Property Coverage
  • No Quote Process
  • 24/7 Access to Policy Documents
  • Convenient Online Purchasing
  • Licensed In All 50 States
  • A+ Rated Insurance Carrier

Coverage Details:

General Liability Aggregate Limit $2,000,000
Products-Completed Operations Aggregate Limit $2,000,000
Personal and Advertising Injury Limit $1,000,000
General Each Occurrence Limit $1,000,000
Damage to Premises Rented to You (Any One Premises) $300,000
Liability Deductible NO DEDUCTIBLE
Business Personal Property / Inland Marine Limit (Any One Article / Aggregate) $5,000/$10,000
Business Personal Property / Inland Marine Limit (Per Occurrence) - Deductible $250

For food trailers, general liability limits only apply if you add a Trailer Endorsement to your policy. (Trailer Endorsement can be added during checkout).

**Please note that this is only a summary of your insurance coverage. All policies have specific terms, conditions, exclusions, and limitations. Please refer to the policy for a complete description of coverages. For a sample policy, please contact us at (844) 520-6992 or by email at info@fliprogram.com.

Contact us

FLIP (FOOD LIABILITY INSURANCE PROGRAM)
260 South 2500 West Suite 303
Pleasant Grove, UT 84062

P: 844.520.6992
info@fliprogram.com

Testimonials

"I have used FLIP insurance for two years now. They have always provided excellent service at an affordable price. Don't consider going with anyone else!"

Jessi, TN